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Premier Rewards Gold refresh: 4x USA dining, groceries, $10/mon dining credit. $250.

Premier Rewards Gold refresh: 4x USA dining, groceries, $10/mon dining credit. $250.

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Old Mar 25, 19, 8:45 pm   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
Last edit by: roberto99
Wiki Link
Faq amex: https://www.americanexpress.com/us/c...date-faqs.html

For existing and new cardholders
  • Changes below are effective immediately
    • 4x US grocery (25k/calendar year), 4x US dining* (*pervasive reports that many dining transactions are not coding as 4x, including but not limited to those from Square or Toast-based POS systems. Scroll down in thread for more reports and information.)
    • $120 dining credit ($10 monthly in certain restaurants)
  • No change
    • $100 calendar year airline reimbursement
  • Other
    • $250 AF (see below for existing cardholders)
    • No 2x gas (removed, see below for existing cardholders who have it till Oct 2019)
  • Metal card (contactless)
    • Rose gold card - limited edition until Jan 9 2019
    • Regular gold card

For new cardholders (Oct 4 2018 and after)
  • You may be able to find targeted/referal 50k/$2k, but first AF is not waived
  • Signup bonus: You get 20% off restaurant up to $500 restaurant spend (3 month)
  • You do not get 2x gas (only for existing cardholders, see below)

For existing cardholders (Oct 3 2018 or before)
  • AF will change to $250 for anniversary dates after April 1 2019
  • 2x gas will be removed after Oct 2019
  • You can chat/call for the gold/rosegold metal card. AU card will get whatever primary cardholder is getting, cannot be different
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Old Apr 10, 19, 11:14 am
  #1366  
 
Join Date: Jun 2008
Location: BAY AREA
Posts: 586
Originally Posted by miadukes View Post
Stupid question but if I add an AU (my nephew), can I limit his spend on this card like other Amex cards I read about? Or is it not possible since its a charge and not credit?
I currently have a chase issued in his name that we have never given him since I cannot set a limit and he is well, not the most responsible money wise teenager LOL but we have one just in case of emergency travel etc. I have discussed with his mom getting an Amex since i read on here that you can usually set a max spend amount. I just got an offer for 5k points if I add an AU so wanted to know this important fact before I mentioned it to her.
You can put a limit on his spending. There's an option on AMEX site.
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Old Apr 10, 19, 11:53 am
  #1367  
 
Join Date: Nov 2015
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Originally Posted by trikotret View Post


You can put a limit on his spending. There's an option on AMEX site.
Thanks!!
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Old Apr 10, 19, 2:21 pm
  #1368  
 
Join Date: Sep 2017
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Originally Posted by lax01 View Post
Just another data point (actually shocking) - almost all of my charges in the Vegas casinos and clubs (no bottles) coded as 4x....pretty awesome and wasn't expecting such a high hit-rate.
can you add more detail? ur talking about all restaurants and bars inside vegas casinos coding as 4x right? I mean, not sure why you were expecting a higher failure rate. in general, all stores within stores work OK, but its YMMV based on how the POS is integrated. for example, many times restaurants inside hyatt and SPG gets coded as hotel vs food.
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Old Apr 10, 19, 6:35 pm
  #1369  
 
Join Date: Jul 2010
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Originally Posted by GundamWing01 View Post
can you add more detail? ur talking about all restaurants and bars inside vegas casinos coding as 4x right? I mean, not sure why you were expecting a higher failure rate. in general, all stores within stores work OK, but its YMMV based on how the POS is integrated. for example, many times restaurants inside hyatt and SPG gets coded as hotel vs food.
I was being generic...I was just surprised by the amount of places that coded as 4x. For example, drinks at the Omnia club coded as 4x - same at Tao. Bought a couple rounds at the Venetian Sports Book and those all coded at 4x.

I expected the restaurants inside the casinos to code properly...just basically didn't expect bar-only type places to code as a restaurant (based on brewery experiences)
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Old Apr 10, 19, 7:45 pm
  #1370  
 
Join Date: Jul 2008
Location: TPE LAS LHR
Programs: BA Meltdown Gold, OZ♦+ (flying BR/UA), WoH♦, HH♦. Gaming: Mlife Noir, TR7*
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Originally Posted by lax01 View Post
Just another data point (actually shocking) - almost all of my charges in the Vegas casinos and clubs (no bottles) coded as 4x....pretty awesome and wasn't expecting such a high hit-rate.
Originally Posted by lax01 View Post
For example, drinks at the Omnia club coded as 4x - same at Tao.
Omnia (bottle service) didn't get me 4X, and was refused on review (but AMEX refused me everything, so it might be me). Interesting that buying from the bar might make a difference. Also tagging @GundamWing01

Just for the record, my experience with Vegas clubs (all bottle service):

4X: Tao, Lavo, Drai's, Hyde, Hakkasan

No: Omnia, Marquee

Stuff like Tao, Lavo, and Hakkasan make sense since they just bill through the venue restaurant. Hyde, Drai's not so much. Guess I never tested Wynncore clubs. I'm canceling the card so will be unable to provide further data points.

BTW, all get 3x on CSR, and even Marquee got bonus points on my old Surpass. Just shows how AMEX is playing games with the Gold.
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Old Apr 10, 19, 8:43 pm
  #1371  
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Originally Posted by lax01 View Post
I was being generic...I was just surprised by the amount of places that coded as 4x. For example, drinks at the Omnia club coded as 4x - same at Tao. Bought a couple rounds at the Venetian Sports Book and those all coded at 4x.

I expected the restaurants inside the casinos to code properly...just basically didn't expect bar-only type places to code as a restaurant (based on brewery experiences)
The obvious answer here is to drink more often.
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Old Apr 10, 19, 10:00 pm
  #1372  
 
Join Date: Nov 2008
Location: ORD
Programs: AA PLT
Posts: 2,586
No issues with Wet Republic coding as 4x. Hakkasan in Miami also properly codes as 4x despite being run through the Fontainebleau -- even had my bill listed in the additional info.
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Old Apr 11, 19, 3:20 am
  #1373  
 
Join Date: Sep 2017
Location: SFO/LAX/SAN/LAS/JFK/LGA/EWR
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Originally Posted by lax01 View Post
I was being generic...I was just surprised by the amount of places that coded as 4x. For example, drinks at the Omnia club coded as 4x - same at Tao. Bought a couple rounds at the Venetian Sports Book and those all coded at 4x.

I expected the restaurants inside the casinos to code properly...just basically didn't expect bar-only type places to code as a restaurant (based on brewery experiences
yea. i see what youre saying. originally, i was concerned as well because its very clear within the amex TC that you wouldnt get bonus pts for restaurants within a hotel or bars within a casino. but in reality, its very different as you know.

TC Excerpt:
"You may not earn additional points for purchases at a restaurant located within another establishment (e.g. a restaurant inside a hotel, casino, or event venue). For example, purchases made at a restaurant located within a hotel may be recognized as a purchase at a hotel, not a restaurant. You also will NOT earn additional points for purchases at nightclubs and convenience stores."

Originally Posted by gengar View Post
Omnia (bottle service) didn't get me 4X, and was refused on review (but AMEX refused me everything, so it might be me). Interesting that buying from the bar might make a difference. Also tagging @GundamWing01

Just for the record, my experience with Vegas clubs (all bottle service):

4X: Tao, Lavo, Drai's, Hyde, Hakkasan

No: Omnia, Marquee

Stuff like Tao, Lavo, and Hakkasan make sense since they just bill through the venue restaurant. Hyde, Drai's not so much. Guess I never tested Wynncore clubs. I'm canceling the card so will be unable to provide further data points.

BTW, all get 3x on CSR, and even Marquee got bonus points on my old Surpass. Just shows how AMEX is playing games with the Gold.
appreciate the DP. its a shame your Omnia bottle service didnt code as 4x and amex refused. thats huge spend, but im not surprised. nightclubs have no bonus (see above). amex 4x dining has had issues as reported on blogs like Doc and ive been told the MR team is constantly updating the MCC list to include more merchants. since visa and MC have a wider network, its not surprising many things code as dining. but amex controls their own payment network so its likely theyre much better about filtering out non-bonus categories.

ever since prestige went 5x dining, ive been using that for all dining in hotels including clubs/bars (Hakk, Tao, Jewel, 1OAK) whenever i pay direct, but never bottle service and no Omnia. but maybe theres a difference between bar and bottle service. thought it would be the same POS used. and because the prestige is 5x dining and 3x hotel, i have a back-up bonus cat for some properties like starriott, IHG, hyatt hilton when the restaurant codes as hotel. and before the prestige, its been PRG 4x or CSR 3x. but my DPs are very limited because almost all charges go to my room. only in certain situations i pay direct via CC. sometimes I even get a cheap room simply to charge non-bonus spend like event tickets or cabanas, including bottle service.

since you are elite in both mlife and TR, you already know room charges has many strategic benefits - paying the final folio with multiple CC to hit spend/promo bonus or amex offers or host comps and other hotel promos (e.g. amex FHR, virtuoso). i even buy GCs with cat bonus with certain cards and use it to pay off my vegas bill (ie Ink 5x office) of course, i wish there was a CC w/ 5x hotel bonus, but 3x hotel UR or TYP is OK with me since there are other benefits and no worries about 5x or 4x or 3x dining not coding correctly.

Last edited by GundamWing01; Apr 11, 19 at 3:28 am
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Old Apr 11, 19, 6:11 pm
  #1374  
 
Join Date: Jul 2008
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Programs: BA Meltdown Gold, OZ♦+ (flying BR/UA), WoH♦, HH♦. Gaming: Mlife Noir, TR7*
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Originally Posted by GundamWing01 View Post
yea. i see what youre saying. originally, i was concerned as well because its very clear within the amex TC that you wouldnt get bonus pts for restaurants within a hotel or bars within a casino. but in reality, its very different as you know.
That's actually a misreading of the T&Cs - there is a clear may in front of the "not", and the next sentence makes it obvious that they are referring to venues inside larger properties that charge via a central system and therefore might use the central MCC. For example, for a long time in Las Vegas casinos, all venues in the casinos would charge through the hotel, so the MCC would be a hotel and not a restaurant and no CC would give the restaurant bonus because the MCC was not for a restaurant.


Originally Posted by GundamWing01 View Post
appreciate the DP. its a shame your Omnia bottle service didnt code as 4x and amex refused. thats huge spend, but im not surprised. nightclubs have no bonus (see above).
The issue is that every single one of these nightclubs MCCs as a restaurant, and even despite the disclaimer in the T&Cs, AMEX nevertheless gives the 4x restaurant bonus to some of them. The unpredictability is the problem. After Marquee failed, I tested at each venue with only one bottle and then swapped to my CSR, so no huge loss. But it's a huge pain - to the point that I'd rather just use the CSR and forget the extra potential MR point.

I don't have time to MS/churn, but as far as room charges, the big bonus is actually getting hotel loyalty points when available. That's the big win through mLife - WoH points and credit, although capped at $5k per stay.
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Old Apr 12, 19, 1:01 am
  #1375  
 
Join Date: Sep 2017
Location: SFO/LAX/SAN/LAS/JFK/LGA/EWR
Posts: 225
Originally Posted by gengar View Post
That's actually a misreading of the T&Cs - there is a clear may in front of the "not", and the next sentence makes it obvious that they are referring to venues inside larger properties that charge via a central system and therefore might use the central MCC. For example, for a long time in Las Vegas casinos, all venues in the casinos would charge through the hotel, so the MCC would be a hotel and not a restaurant and no CC would give the restaurant bonus because the MCC was not for a restaurant.
yea, i didnt explain myself enough. i agree with you. i just meant to say that getting 4x dining to track solely based on common sense is YMMV when youre talking about vendors within a vendor. and the TCs dont help your case if problems come up. hence, these DPs are very helpful. its not just about MCCs themselves since you also need to consider how MCCs are grouped together and classified at the discretion of the card issuer and/or payment network. in the case of amex, they control both.

this is why you and i have experienced hotels charging lodging MCC at their restaurants. if you ever set up a business and apply for merchant payment processing, the MCC cluster BS becomes very apparent. MCCs have direct correlation with interchange and processing fees. meaning, there is always some level of black magic used by the business to reduce expenses.

Originally Posted by gengar View Post
The issue is that every single one of these nightclubs MCCs as a restaurant, and even despite the disclaimer in the T&Cs, AMEX nevertheless gives the 4x restaurant bonus to some of them. The unpredictability is the problem. After Marquee failed, I tested at each venue with only one bottle and then swapped to my CSR, so no huge loss. But it's a huge pain - to the point that I'd rather just use the CSR and forget the extra potential MR point.

I don't have time to MS/churn, but as far as room charges, the big bonus is actually getting hotel loyalty points when available. That's the big win through mLife - WoH points and credit, although capped at $5k per stay.
yea. i also hate it when crap doesnt work in our favor. obviously we all want that. but at the same time, bars and clubs are not supposed to be 4x despite MCCs anyway. so thats why i charge everything to my room even though i may miss out on prestige 5x dining vs the 3x hotel. but i like the flexibility of payment when i checkout and i dont need to worry about MCCs. also to your point, mlife/hyatt bonus promos could be huge. amex seems to have the most MCC issues. MC and Visa are very broad which is why people love the CIP as it covers way more than its official listed cats.

in terms of the 5k cap, i just split and isolate my stays during those huge expense nights. i assume those are from your bottle/cabana service or events. for me, typically its all planned out before i arrive so I know which day to check in/out, change hotel and/or book via TA like FHR / LHR / Virtuoso. i know its a huge biotch for some, but if my spend is 10k at mlife, hell no im dumping it on one consecutive night stay and miss out on 5k spend hyatt bonus. im going to split it. LHR Aria and Bellagio + others still maintain $100 F/B which i can def use. LHR Cosmo is only $50 FB unfortunately. otherwise its spa credit.

Last edited by GundamWing01; Apr 12, 19 at 2:16 am
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Old Apr 14, 19, 10:49 am
  #1376  
 
Join Date: Jul 2014
Location: SFO
Posts: 264
Last month, on March 31st I used my gold card at Cheesecake factory at around 9:30pm in Arizona. I noticed the charge hit my statement on April 1st.

Did this count as a charge on April 1st?

Last edited by mdosu; Apr 14, 19 at 11:10 am
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Old Apr 14, 19, 4:31 pm
  #1377  
 
Join Date: Sep 2017
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Originally Posted by mdosu View Post
Last month, on March 31st I used my gold card at Cheesecake factory at around 9:30pm in Arizona. I noticed the charge hit my statement on April 1st.

Did this count as a charge on April 1st?
see many posts above. it should answer your questions.
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Old Apr 16, 19, 1:23 am
  #1378  
 
Join Date: Apr 2014
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Originally Posted by mdosu View Post
Last month, on March 31st I used my gold card at Cheesecake factory at around 9:30pm in Arizona. I noticed the charge hit my statement on April 1st.

Did this count as a charge on April 1st?
Amex's clock seems to be EST based so in Amex's calendar it's probably going to show as April 1st. One way to see if it was counted against your April dining credit is to look in the "benefits" tab in your account and scroll down to see if your dining credit for April has been used (that is unless you've also made charges at other dining places that qualify for the credit in April in which case this indicator will not help you).
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Old Apr 16, 19, 10:51 pm
  #1379  
 
Join Date: Nov 2007
Location: San Diego
Posts: 65
I got offers two times for the Rose Gold Card and bonus in the mail back in 2018, but declined to apply at that time. Now after running the numbers for grocery spend and restaurants, I realize that this card beats my current Amex Blue 6% Grocery card. I went to an incognito link and attempted to apply for the 50k bonus/2k spend, but got this message:

"based on your history with credit card balance transfers, American Express welcome offers, introductory APR offers, or the number of Cards you have opened and closed, you are not eligible to receive the welcome offer.
We have not yet performed a credit check. Would you still like to proceed?"

Of course I cancelled that application. I believe I am 3-4/24 with Chase and my last application was for Chase Ink Business in Jan 2019 for the 80k bonus and that was instant approval. I'm not sure why I got denied on the incognito link. My current offers from Amex (after logging into my Blue Card account) is for 35K/$2k spend. I'm in no hurry, so planning on waiting to see if another offer comes in mail again. I've never had an Amex Card other than the current Blue and Costco Card many years ago,

Has anyone had success (via another link or mail offer) after being rejected from incognito link?
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Old Apr 17, 19, 7:39 am
  #1380  
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Originally Posted by pdragn78 View Post
I got offers two times for the Rose Gold Card and bonus in the mail back in 2018, but declined to apply at that time. Now after running the numbers for grocery spend and restaurants, I realize that this card beats my current Amex Blue 6% Grocery card. I went to an incognito link and attempted to apply for the 50k bonus/2k spend, but got this message:

"based on your history with credit card balance transfers, American Express welcome offers, introductory APR offers, or the number of Cards you have opened and closed, you are not eligible to receive the welcome offer.
We have not yet performed a credit check. Would you still like to proceed?"

Of course I cancelled that application. I believe I am 3-4/24 with Chase and my last application was for Chase Ink Business in Jan 2019 for the 80k bonus and that was instant approval. I'm not sure why I got denied on the incognito link. My current offers from Amex (after logging into my Blue Card account) is for 35K/$2k spend. I'm in no hurry, so planning on waiting to see if another offer comes in mail again. I've never had an Amex Card other than the current Blue and Costco Card many years ago,

Has anyone had success (via another link or mail offer) after being rejected from incognito link?
You are looking for this thread: Amex (USA) restricts bonus based on number of accounts opened/closed (June 2018)

Amex's criteria are different from Chase's and have nothing to do with X/24. More to do with history of opening and closing accounts it seems and with less obvious hard-and-fast rules; that other thread has much more speculation.

But to answer your last question, I have a data point of being able to apply (and getting the bonus) from a mail offer after receiving a "you've had this card before" pop-up during a standard application. I don't know if any data points exist of overcoming the "history of opening/closing" pop-up though. That other thread would probably be the best place to look.
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